i would check with my insurance agent. i buy the top level also, but now you're making me wonder, and i plan to talk to mine.
all i know is i don't want to be stuck 600 miles from home because my station wagon (a while ago) died, have them tow me to the nearest station and then have to wait in the nearest dirty roach motel until the right part came in. two days later. i tell you, been there, done that. with two small kids. and it ain't gonna happen again. :evil:
not for any amount of money.